The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$66,224
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,284
−HK$2,093/mo
Today · 4.125%
HK$70,377
baseline
▲ 0.50% · 4.625%
HK$74,659
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,754/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,673
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,649
−HK$2,005/mo
Today · 4.125%
HK$77,654
baseline
▲ 0.50% · 4.625%
HK$81,747
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,308/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,469
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,941
−HK$2,511/mo
Today · 4.125%
HK$84,452
baseline
▲ 0.50% · 4.625%
HK$89,591
+HK$5,139/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,904/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,408
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,779
−HK$2,405/mo
Today · 4.125%
HK$93,184
baseline
▲ 0.50% · 4.625%
HK$98,096
+HK$4,912/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,368/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,713
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,597
−HK$2,930/mo
Today · 4.125%
HK$98,527
baseline
▲ 0.50% · 4.625%
HK$104,523
+HK$5,996/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,054/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,143
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,909
−HK$2,806/mo
Today · 4.125%
HK$108,715
baseline
▲ 0.50% · 4.625%
HK$114,446
+HK$5,731/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,430/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,203
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,911
−HK$3,767/mo
Today · 4.125%
HK$126,678
baseline
▲ 0.50% · 4.625%
HK$134,386
+HK$7,708/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,356/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,612
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$136,169
−HK$3,608/mo
Today · 4.125%
HK$139,777
baseline
▲ 0.50% · 4.625%
HK$147,145
+HK$7,368/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,554/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,298 · Scale 2, in force from 26 Feb 2026)